JOURNAL OF CONSUMER AFFAIRS

Health insurance coverage during the COVID-19 pandemic: The role of Medicaid expansion
Mandal B, Porto N, Kiss DE, Cho SH and Head LS
Using data from the US Census Bureau's Household Pulse Survey, we analyzed the likelihood of loss of health insurance and enrollment into new health coverage during the early months of the COVID-19 pandemic. Loss of employment was associated with a significant increase in the likelihood of loss of health insurance and, specifically, an increase in the likelihood of employer-sponsored health insurance. However, individuals in Medicaid expansion states experienced a lower likelihood of loss of health insurance compared with individuals in nonexpansion states. At the same time, there was a statistically significant increase in Medicaid enrollment in expansion states, by 3.2 percentage points. Reemployment or acquiring employment was associated with a gain in health insurance coverage. During an economic downturn, eligibility, and coverage gaps leave many without affordable coverage options, and the pandemic will likely bring renewed attention to gaps in Medicaid coverage in nonexpansion states.
A typology of Jordanian consumers after Covid-19: The rational, the suspicious, and the cautious consumer
Obeidat Z and Obeidat MI
This study presents a detailed typology of Jordanian consumers that identifies the effects of Covid-19 on their personal, social, and purchase and consumption patterns following the pandemic. Based on a qualitative approach using a sample of Jordanian consumers ( = 71), this study identifies three main types of consumers: the rational, suspicious, and cautious. All were distinguished by cognitive, emotional, and behavioral differences: the rational consumers viewed the pandemic as a natural occurrence, were willing to vaccinate, and took the opportunity to improve their lives and consumption behavior; the suspicious consumers viewed the pandemic as a man-made virus and refused to rationalize their behaviors and follow the social-distancing rules or vaccinate; and the cautious consumers were generally somewhere in between, and while they improved some aspects of their consumption, social, and personal lives, other aspects either remained the same or worsened. The findings have implications for managers and governmental bodies.
Pushing or clicking the grocery cart? Health and economic concerns during the COVID-19 pandemic
Xu Y, Heo W, Kiss DE, Cho SH and Gutter MS
Online Grocery Shopping (OGS) has grown dramatically during the COVID-19 pandemic. It is unknown, however, how consumers weighed pandemic situational factors versus household production considerations of timesaving and cost. We collect and analyze survey data from a nationally representative sample to examine how consumers with different health and socio-demographic profiles consider these factors for OGS choices and how their choices changed in the first seven months of the pandemic. We find that consumers with moderate-to-high income, white, having insurance, and not in the labor force value the timesaving and convenience of OGS more than pandemic situational factors. Still, some consumers with health risks choose to shop in person because of the cost of OGS. Lung disease, diabetes, mental health conditions, age, income, and college degree explain the dynamics of OGS choice as the pandemic evolved. Our findings shed light on the development of technology-assisted adaptation to future public health emergencies.
The new world of philanthropy: How changing financial behavior, public policies, and COVID-19 affect nonprofit fundraising and marketing
Van Steenburg E, Anaza NA, Ashhar A, Barrios A, Deutsch AR, Gardner MP, Priya P, Roy A, Sivaraman A and Taylor KA
Evolving financial behavior, an unpredictable public policy atmosphere, and an unparalleled global pandemic have collaborated to disrupt nonprofit fundraising. The COVID-19 pandemic alone exacerbated consumer demands for nonprofit services while curtailing nonprofit organizations' ability to fundraise. Without fundraising, nonprofit organizations cannot achieve their mission or support their causes, leading to a precarious situation for societal well-being. Meanwhile, consumers are changing their financial behaviors, with younger generations often going cashless. At the same time, governments continue to change policies that affect nonprofit organizations. In keeping with the transformative consumer research movement, the present study provides a conceptual framework for the state of nonprofit fundraising amid the challenges associated with changes in financial behavior and public policy, coupled with the effects of the global pandemic. Marketing strategies for fundraising success are presented to aid nonprofits going forward and serve societal interests.
Deriving happiness through extraordinary or ordinary brand experiences in times of COVID-19 threat
Jiao JJ, Lu FC and Chen N
The authors examined how the joint effect of brand experience type (ordinary vs. extraordinary) and COVID-19 threat on consumer happiness changed at different stages of the COVID-19 pandemic. The findings from five studies, with the COVID-19 threat and lockdown status measured as well as manipulated, suggest that COVID-19 threat exerts converse moderating influences on the extraordinariness-happiness relationship under no lockdown and lockdown. Under lockdown, threat attenuates the effect of brand extraordinariness on happiness; extraordinary brand experiences bring more happiness than ordinary brand experiences when the perceived threat of COVID-19 is low, but consumers derive comparable happiness from extraordinary and ordinary experiences when perceived threat is high. Under no lockdown, threat amplifies the positive effect of extraordinariness on happiness. Consumers rarely experience a large-scale lockdown due to a pandemic, and this research advances understanding of how consumer happiness from a brand experience changes with the trajectory of a pandemic.
Effects of perceived scarcity on COVID-19 consumer stimulus spending: The roles of ontological insecurity and mutability in predicting prosocial outcomes
Leary RB, Mesler RM, Simpson B, Meng MD and Montford W
In 2021, the United States government provided a third economic impact payment (EIP) for those designated as experiencing greater need due to the COVID-19 pandemic. With a particular focus on scarcity and ontological insecurity, we collected time-separated data prior to, and following, the third EIP to examine how these variables shape consumer allocation of stimulus funds. We find that scarcity is positively associated with feelings of ontological insecurity, which, interestingly, correlates to a allocation of stimulus funds toward charitable giving. We further find evidence that mutability moderates the relationship between ontological insecurity and allocations to charitable giving. In other words, it is those who feel most insecure, but perceive that their resource situation is within their control, who allocated more to charity giving. We discuss the implications of these findings for theory, policy-makers, and the transformative consumer research (TCR) movement.
The coronavirus pandemic: A window of opportunity for sustainable consumption or a time of turning away?
Hüttel A and Balderjahn I
As a means to preserve present and future generations' living conditions, sustainable consumption presents a route to the enhanced well-being of individuals. However, the occurrence of the COVID-19 pandemic raises the question of whether society is going to continue down a path of increased awareness of sustainable consumption or whether the pandemic will move people to focus more on themselves. Based on data gathered before and near the end of the first pandemic lockdown in Germany in spring 2020, this research demonstrates that ecological, social, and voluntary simplicity consciousness deteriorated in the minds of sustainability-conscious consumers, with notable impacts on their willingness to spend sustainably and their shopping affinity. Furthermore, we identify segments that show particular vulnerability to the lockdown by reacting with a decrease in their ecological consumption consciousness. This study concludes with a discussion of the pandemic's implications for the spread of sustainable consumption styles and human well-being.
From anxiety to control: Mask-wearing, perceived marketplace influence, and emotional well-being during the COVID-19 pandemic
Schneider AB and Leonard B
Mask-wearing has been one of the most prominent, conflicted, and deeply divided issues in the United States during the COVID-19 pandemic. Across two studies, we seek to understand how beliefs and behaviors around mask-wearing are associated with the relationship between anxiety about the coronavirus and feelings of control over one's health outcomes during the pandemic. In Study 1, we find that beliefs in the response efficacy of mask-wearing moderate the relationship between anxiety and control. Study 2 extends these results by investigating the underlying process. Specifically, we find that the relationship between anxiety and control is mediated by self-reported mask-wearing behavior and that the relationship between anxiety and mask-wearing behavior is moderated by consumers' perceived marketplace influence. These findings have important public policy and marketing implications in the context of physical, emotional, and economic well-being.
Impacts of Covid-19 pandemic on consumer behavior in Turkey: A qualitative study
Güngördü Belbağ A
The current study aims to examine consumer behavior in Turkey during the COVID-19 pandemic and how consumers adapt to this new normal. In this regard, 78 Turkish consumers were interviewed online. Data were analyzed through grounded theory with a stimulus-organism-response framework and constant comparative methods. This study showed that environmental stimuli affecting consumer behavior during the pandemic are economic downturn, partial lockdown regulations, restrictions on some services, and social media messages. Organism consists of fear, boredom, and perceived risk. Consumers' behavioral responses to the pandemic are changes in purchasing of consumer goods, avoidance from physical stores, a decline in leisure activities, a decline in shopping frequency, planned vs. impulse buying, stockpiling, and prosumption. Overall, this study provides a more general framework regarding multiple aspects of the pandemic on consumer behavior.
A model of consumer life-satisfaction amidst the COVID-19 pandemic: Evidence and policy implications
Ekici A and Watson F
The COVID-19 pandemic has dramatically impacted the lives of consumers across the globe. What guidance can consumer researchers and policymakers provide consumers to elicit adaptive responses that contribute to their life-satisfaction under these adverse conditions? To this end, we develop and test an adaptive response model and demonstrate its impact on the life-satisfaction of the consumers experiencing the pandemic in Turkey. Our model suggests that amidst COVID-19, seeking emotional help triggers the positivity in people, which in turn increases life-satisfaction. Moreover, turning to religion to deal with the challenges of the pandemic leads to positivity and hope, which in turn positively affect life-satisfaction. Importantly, "escape" behaviors (such as excessive work or time spent in online shows/games) reduce positivity and hope in consumers, thus negatively impacting life-satisfaction. The paper discusses the conceptual and public policy implications of the results and offers recommendations for future research.
Market segmentation strategies can be used to overcome COVID-19 vaccine hesitancy and other health crises
Meng MD and Olsen MC
As the COVID-19 pandemic continues to impact everyone to some degree, it has become clear that experts from many disparate fields must work together to overcome such public health crises. Even now, a significant portion of U.S. residents remain hesitant to receive a vaccine. In the quest to safely return to a fully open economy, time is of the essence, as many lives and livelihoods can be saved by even marginal improvements in vaccination rates. To reach widespread immunization sooner, science stands to benefit by using market segmentation strategies with vaccine holdouts, much like brands do with customers. As evidence, we present results from a national survey segmented into four groups of COVID-19 vaccine holdouts. When viewed and considered as separate segments, important distinctions regarding the nature and strength of reasons behind COVID-19 vaccine aversion, and the solutions to which people are most open, become clearer.
Pandemics and consumer well-being: Provenance and research priorities
Pradhan D
This article advances the riveting discussion on how this special issue contributes to the consumer well-being literature. Specifically, this article endeavors to present an eclectic account of how the pandemics has had a lasting impact on the consumer well-being, its provenance and future research priorities for academics and practice. First, it briefly discusses the origin and relevance of the evolving issue of consumer well-being during pandemics. Second, it presents several directions for future research and third, it offers key insights for policymakers. It includes multiple research priorities that present vastly contrasting manifestations of consumer well-being. This article argues that future research will need to examine the drivers of consumer well-being during pandemics, the mechanisms that underlie the influence of pandemics on consumer well-being and the boundary conditions that accentuate/mitigate the influence of pandemic-induced factors.
Pandemics and consumers' mental well-being
Minton EA
This article presents the immense impact that pandemics can have specifically on consumers' mental well-being, extending many of the well-being topics examined in this special issue on pandemics and consumer well-being. Avenues for future research in the area are suggested, with expanded discussion and future research suggestions related to four consumer characteristics including three areas associated with negative mental well-being (parenthood, suffering with chronic illness, aging, and family) as well as another characteristic associated with positive mental well-being (religion). The article concludes with a pressing call to action for academics and others to step up to the purpose in their careers and make a difference in the world for good in relation to consumers' mental well-being.
Identifying consumer segments based on COVID-19 pandemic perceptions and responses
Sheng X, Ketron SC and Wan Y
Consumer responses to the COVID-19 pandemic have varied widely. Thus, marketers need to understand consumer segments based on pandemic-related responses and behaviors. Through two studies conducted 9 months apart, we find that consumers shift from three segments in Study 1-the Apprehensive, the Prepared, and the Dismissive, to two segments in Study 2-the Dedicated and the Dismissive. The Apprehensive feel particularly threatened of the virus. The Prepared and the Dedicated perceive a lower susceptibility but still take the health threat seriously. The Dismissive downplay the threat and exhibit more negative reactions to mitigation measures. We also demonstrate between-segment downstream response differences. While the Apprehensive and the Prepared/Dedicated exhibit positive attitude toward companies enforcing guidelines, the Apprehensive engage in the most panic buying, hoarding, and stockpiling. The Dedicated also express greater stress and less life satisfaction than the Dismissive. The findings offer theoretical and practical implications for pandemic-related consumer responses.
Parents' employment, income, and finances before and during the COVID-19 pandemic
Garrison ST, Rampold SD, Vasquez K, Gillen M and Baker LM
The COVID-19 pandemic brought grave financial concerns for families in the United States as they attempted to navigate the multifaceted impacts of the pandemic. The present descriptive study examined Florida families' employment characteristics, credit card debt, savings characteristics, use of savings based on employment and income variables, and patterns of use of the first 2020 economic impact payment during the early stages of the COVID-19 pandemic. Responses to an online questionnaire were collected from 526 Florida residents, age 18 or older, who were parents of minor children during the time the study was conducted. Findings are indicative of varying financial impacts on families based on gender, marital status, income level, and employment status related to COVID-19. Implications are presented for employers, educators, researchers, policymakers, and families.
An analysis of the relationship between risk perceptions and willingness-to-pay for commodities during the COVID-19 pandemic
Li O and Qian D
The novel coronavirus disease of 2019 (COVID-19) has had a significant impact on the global retail market. Nonetheless, consumers will eventually return to the market once the pandemic is effectively controlled. Therefore, it is critical to consider which features closely linked to COVID-19 may affect consumer behavior. The present study thus addresses this gap by investigating the relationship of risk perceptions regarding COVID-19 with an important component of consumer behavior-namely, willingness-to-pay (WTP)-and further explores the underlying mechanisms behind this relationship. Data collected from 480 Chinese participants were analyzed using structural equation modeling. Results showed that those with a greater risk perception regarding COVID-19 were more likely to exhibit a higher WTP for various commodities, which can be driven by awe and perceived loss of control induced by COVID-19. The present study delineates the effect that public health emergencies have on the consumption intentions of the general public.
The impact of the COVID-19 pandemic on subsistence consumers' well-being and coping strategies: Insights from India and Bangladesh
Nath SD, Jamshed KM and Shaikh JM
The impact of the COVID-19 pandemic on the overall well-being of consumers is disastrous. However, there is limited understanding of how the COVID-19 situation affects consumer well-being and how subsistence consumers mitigate well-being concerns and unique stresses. Following an exploratory, qualitative approach, 39 in-depth semi-structured interviews with subsistence consumers were conducted in India and Bangladesh. Findings from the thematic analysis reveal that subsistence consumers experienced unique stresses and hardships during COVID-19, which are unforeseen transitory financial stress, psychosocial stress, and marketplace and consumption-related stresses. Drawing on the appraisal theory of stress, our analysis of the data identifies the co-existence of two emotion-focused coping strategies-religiosity and social support-that interplay to overcome their well-being concerns in the emerging countries of India and Bangladesh. Therefore, it may be of particular interest to managers and policymakers who seek to address the severe consequences of the COVID-19 pandemic on socio-economically subsistence consumers.
Covid-19 pandemic and consumer-employee-organization wellbeing: A dynamic capability theory approach
Nayal P, Pandey N and Paul J
The consumers, employees, and organizations have been deeply impacted by Covid-19 pandemic. The present study offers a detailed coping mechanism for organizations based on the extant literature and content analysis of responses of senior management executives. The study is based on semi-structured long interviews with senior executives from various industries. Various measures have been identified for firms as a coping strategy for crisis management and customer well-being. Covid-19 has changed the way individuals live. This study suggests that firms should come forward for well-being of their employees in this new normal. One of the major shifts due to pandemic is in consumer behavior and their consumption habits. Pandemic made consumers go for digitization, think for hygiene, sustainability, and local products. And firms should keep the changed consumer behavior in mind while manufacturing the products. Furthermore, present study suggests that firms can create a positive image of their company by doing CSR activities for society's well-being.
Perceived access, fear, and preventative behavior: Key relationships for positive outcomes during the COVID-19 health crisis
Vann RJ, Tanner EC and Kizilova E
The Coronavirus (COVID-19) pandemic reduced real and perceived access to healthcare services, exacerbating pandemic fear, and thus influencing consumers' adoption of preventative health behaviors. Extending the EHBM, results from two studies show that perceived access to health services and pandemic fear impact an individual's general and COVID-preventative health behaviors. High perceived access reduces pandemic fear through its buffering effects on perceived health vulnerability and pandemic-related health system concern, especially with telehealth usage during the pandemic. While pandemic fear motivates COVID-19 vaccination, pandemic fear reduces personal preventative health behavior (e.g., healthy eating, exercising) and has little effect on personal COVID-preventative behaviors (e.g., wearing a mask, social distancing) when individuals perceive high pandemic-related control. Moreover, the fear-behavior link does not hold for preventative health visits; instead, perceived access directly promotes preventative visits and screening. This research informs public health stakeholders' communication, education, and resource allocation during health crises like the COVID-19 pandemic.
"The greedy I that gives"-The paradox of egocentrism and altruism: Terror management and system justification perspectives on the interrelationship between mortality salience and charitable donations amid the COVID-19 pandemic
Jin SV and Ryu E
Why do people give and help others in face of their own mortality salience? The existential struggle with the awareness of death impacts the gamut of human cognition, emotion, and behavior. This multi-method research (∑ = 1,219) explains the psychosocial impact of COVID-19-related mortality salience on altruism. Drawing from terror management theory, two studies tested death-thought accessibility, mortality salience, and anxiety buffer hypotheses. Study 1 (cross-sectional survey), using structural equation modeling, confirms death anxiety and fear are predictors of powerlessness and materialism which, in turn, predict charitable donations. Study 2 (between-subjects experiment) confirms the causal effects of COVID-19-induced mortality salience on altruism. Controlling income and socioeconomic status, people in the mortality salience treatment condition indicate greater monetary donations ($), ratio of prosocial (altruistic) to proself (egocentric) spending (%), donation of time (hour), monetary valuation of time (hourly rate = $/hour), and economic value of donated time (hourly rate*hour) than the controls. These effects are mediated by powerlessness. Moderating effects of relevant individual difference factors are significant: the greedier, more selfish, narcissistic, materialistic, and system-justifying the donor is, the higher monetary donations, volunteer time, and perceived value of donated time are, only when the COVID-19-induced mortality is made salient but not in the controls. Environmental and dispositional factors jointly influence vulnerability to mortality salience. The paradox of egocentrism and altruism, as an evolutionarily adaptive protective buffer against existential insecurity for social and cultural animals, can help revitalize resilience, thus shedding some lights on the sociopsychological mechanism of consumers' subjective well-being. Implications for consumer affairs, social marketers, and policymakers are discussed.
"If I don't have credit, I don't have anything": Perspectives on the credit scoring system among mothers with low incomes
Collins JM, Halpern-Meekin S, Harvey M and Hoiting J
This mixed-methods study examines consumer perspectives on the credit scoring system drawn from in-depth interviews with 72 mothers with low incomes and national survey data from the National Financial Capability Study. Interviewees express strong awareness of credit scoring and a desire to have good credit. National survey data corroborate these findings, showing that most mothers with low incomes are knowledgeable about their credit scores. They know what behaviors improve credit standing and recognize the tradeoffs between present consumption and longer-run goals. They do not reject the credit scoring system's legitimacy and seek to work within this system to pursue their financial goals, despite obstacles to success. This evidence enriches our understanding of the perspectives and values that motivate consumer financial behaviors and highlights the systemic challenges to people's financial well-being that are embedded in a seemingly widely accepted credit scoring system.